I understand the job the finance must do.
Working capital, project delivery, growth and stability each require a different conversation.
Personal finance guidance, led by experience
Finance is personal.So is my approach.
I’m Judy Hayes, founder and finance consultant at Premier Finance. I help South African business owners and individuals understand their options, avoid costly missteps and move forward with clarity.
Judy HayesFounder & Finance Consultant
11+ yearsFinance and consulting experience
Personally guidedWork directly with Judy
NationwideSupport across South Africa
One considered routeGuidance before application
Human guidance in a digital world
Digital convenience.
Human guidance.
Digital tools make finance faster. I make sure they do not make it impersonal.
Premier Finance operates entirely online, allowing me to assist clients throughout South Africa by phone, WhatsApp and virtual meeting. You get the convenience of a digital process without being left to navigate it alone.
I take time to understand what you are trying to achieve, recognise the context an automated process may overlook and help you approach the right route with greater clarity.
Online where it makes things easier.Personal where it matters most
Why work with me
The advantage is in the guidance.
Good finance decisions are shaped by context, preparation and the quality of the route—not by applying everywhere and hoping for the best.
I help you approach the market with purpose.
Your position is considered before you are directed towards a finance route or specialist.
I tell you what is realistic.
If something needs attention first, you will know. Clear guidance protects your time and your application.
Personal does not mean informal
A disciplined process. Led by a real person.
You get the efficiency of a structured process and the reassurance of knowing who is responsible for guiding it.
1
We define the objective
I begin with the result you need—not with a product.
2
I assess the route
We consider your position, likely requirements and the most relevant next step.
3
You move with clarity
You understand the process, can ask questions and remain in control of the decision.
Real commercial outcomes
Finance with a job to do.
These examples show what becomes possible when the facility is matched to a clear business need.
Completing the project
Working capital helped a contractor finish its project and unlock the final client payment.
Scaling the relationship
A facility grew with the business over two years while supporting day-to-day operating costs.
Finding a route when traditional funding said no
The client did not qualify for traditional funding. Premier Finance helped arrange a R750,000 revolving invoice-factoring facility, unlocking cash tied up in invoices with payment terms of up to 90 days.
Client identities are withheld for confidentiality. Every application is assessed independently; past outcomes do not guarantee future approval or terms.
Built with purpose
From one service to a trusted finance hub.
Premier Finance has grown by listening to what clients need and building a network capable of supporting more of their financial journey.
2012
A career focused on helping people navigate financeI began working directly with clients and learning where financial processes most often create confusion.
2015
JKMS Loans was foundedA more personal starting point for clients seeking finance.
2016
Business finance was introducedThe service expanded to help entrepreneurs fund projects, cash flow and growth.
2020
Premier Finance was establishedA personally guided finance hub serving clients throughout South Africa.
Credibility
Experience behind every conversation.
BComBachelor of Commerce in Management
RFP 1 & 2Financial Planning Institute of Southern Africa
11+ yearsHands-on finance and consulting experience
“You deserve more than an application form. You deserve to understand the decision you are making.”
Judy Hayes · Founder & Finance Consultant
How can I help?
Choose your starting point.
For business owners
Business finance
Funding for working capital, assets, invoices, property, vehicles and growth.
Explore business finance → For individualsPersonal finance
Explore lending and consolidation options through one trusted starting point.
Explore personal finance → For a stronger profileCredit repair
Understand what is affecting your profile and follow a practical corrective plan.
Explore credit repair →Talk directly to Judy
Let’s find your clearest way forward.
Tell me what you are trying to achieve. I will help you identify the right place to begin.